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The UNITY Visa Secured Credit Card is designed to help get your credit back on track.

It’s hard to buy a car or house with poor or no credit. If you’re looking to improve your credit, the Unity Visa Secured Card can help. By staying on top of your monthly payments, and spend responsibly, you can see your credit score go up.

Often called the “Comeback Card,” the Unity is accepted anywhere that takes Visa.

9.95% Intro APR for 6 months (with $10 or 3% of the amount of each transfer, whichever is greater (% balance transfer fee)

APR for Purchases ( Purchase Rate )

17.99%

Annual fee

$39

Cash Advance Rate

17.99%

Card Type

Visa

Interest Free Period

The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.

Up to 25 days

Returned Payment Fee

$25

Foreign Currency Conversion Fee (VISA)

Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.

2% of each transaction in U.S. dollars.% of transaction value

Minimum Interest

$1

Minimum Credit Score

Poor (Below 660)

Minimum Age

18 years of age

Min credit limit

This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.

$250

Max credit limit

This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.

$10,000

Annual fee

$39

Returned Payment Fee

$25

Late Payment Fee

Up to $10

Cash Advance Fee

$10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $150)

The basics

The UNITY Visa Secured Credit Card reports to three major credit bureaus, and can help you build your credit. You’ll get a secure line of credit with an equal deposit — which means if you deposit $500 you’ll get a credit line of $500. With a fixed interest rate of 17.99% and a minimum of $250 security deposit, UNITY Visa is a solid choice for secured cards.

Watch out for…

To avoid paying interest, you must pay your balance at least 25 days after the close of your billing cycle. If you pay your balance by the monthly due date, you won’t accrue interest charges. Periodic interest charges will always be more than 25. Before applying, also consider:

Security deposits. Even though there’s no application fee, you’re required to pay a $250 security deposit.

No intro APR. Once you’re approved, you’ll pay the 17.99% APR.

Fees. You’ll pay an annual fee of $39 p.a., for late payments there’s a Up to $10 fee, and returned payments will cost you $25.00.

The UNITY Visa Secured vs. Discover it Secured

Rates last updated August 18th, 2017

Credit Score

Unfortunately, none of the credit cards match that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.

Compare up to 4 providers

Bottom line

If you’re looking for a credit card to help rebuild and strengthen your credit, the UNITY Visa Secured Credit Card could be a helpful solution. Before choosing this card, be sure to compare it with other credit card options.

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